How We Help
We’ve helped thousands of clients to get out of and stay out of default by enrolling into life-changing Income-based Forgiveness Plans that have reduced their student loan payments, with many into a $0/mo payment. We provide premium support for Mandatory Annual Re-certification of student loans to stay in Income-based Forgiveness Plans and premium PSLF application submissions.

Why you need to recertify every year:
Life happens, and events such as new babies born, grown kids moving out, weddings and divorces, pay raises and unemployment impacts your student loan payment since your student loan payment is based on your family size and income and not your loan balance. Because of these potential changing life events, the Department of Education needs to review your family size and income every year and adjust your monthly discounted student loan payment accordingly.

Failure to re-certify your loans will result in:
• Sudden increases in your monthly payments (often back to the much-higher Standard Repayment amount)
• Potential overdrafts if you have your student loan payments on auto-debit
• Additional accrued interest if you fail to re-certify and must use forbearance while you update your information (which could extend your forgiveness payoff date)
• Unpaid interest could be capitalized and added to your principal balance (in some cases this may be irreversible)
• By not paying your large monthly student loans will result in tax return intercept and 15% paycheck garnishment by the IRS

Re-certification is done around the same time each year when you initially began making payments to your current IDR program. However, we can also re-certify anytime your income or family size changes. This means you could potentially re-certify more than once per year if your situation changes and you need to have your monthly payment adjusted accordingly.

Note: If you have multiple loan servicers, we will need to re-certify with each one individually every year as well as when your income or family size changes.

In addition to our submission assistance, all clients have Premium Phone Support and Identity Theft Monitoring Services that is included and must enroll separately with our 3rd-party provider. The benefits are:

Covers All Types of ID Theft: Provides restoration services for all types of identity theft events, including financial, tax, and social security fraud, medical ID theft, benefits and employment fraud, criminal activity, home title fraud, and child identity theft (on our family plan).
Home Title Fraud: Our team of experts will assure your home title and equity are restored if you become a victim, even covering legal costs incurred in the restoration process.
Unlimited Recovery Services: Our team of certified recovery specialists will take over the work to restore your identity back to pre-theft status while providing white-glove service, with no monetary or time limits.
$1,000,000 for Stolen Funds & Expenses: We'll reimburse you up to $1 million for any stolen funds if your accounts are hacked or you suffer a loss due to an ID theft event, as well as expenses incurred as a result of ID theft such as legal fees, lost wages, and other out-of-pocket costs.
Personal Information Dark Web Monitoring: We perform daily scans on thousands of dark web pages where thieves buy, sell, and trade stolen data, alert you if your information is found, and provide you with steps to reduce your risk.
Social Security Number Monitoring: Notifies you of any new or suspicious activity and detects names, aliases, and addresses associated with your social security number.
Change of Address Monitoring: Alerts you if your mail has been redirected though the US Postal Service due to a change of address.
Data Breach Updates: Notifies you of significant data breaches that could have an impact on your personal information.
Lost Wallet Service: Quickly assists you in terminating and re-ordering the contents of lost wallet or purse.
24/7/365 Customer and Recovery Services: Provides you with 24/7/365 access to U.S.-based customer service and ID theft recovery specialists.

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(800) 990-9146
National Docu Center
5872 Owens Ave., Suite #200,
Carlsbad, CA 92008

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We are a private company not affiliated with any government agency. The information and statements contained on this Website are intended as general educational information and expressly not intended and regarded as legal or financial advice. By calling our number on this website, you consent to be contacted by National Docu Center or it's affiliates by phone, email or text/SMS at the number listed above even if your number provided on the form above is on a National or State Do Not Call List. Your consent does not require you to purchase any services. Your monthly MyStudentLoanPlan pays for ID theft monitoring services regardless if you activate it and use it or not. In addition, we provide premium support to assist with annual student loan recertification to keep you in your Income-based Repayment Plan at no cost. You can recertify your own loans at no charge. Your monthly MyStudentLoanPlan payments are not your student loan payments and are not applied to your student loan, which is also stated in your signed contract. We do not provide loan forgiveness, only the government programs provide loan forgiveness.
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